Methods and Systems for Detecting Unauthorized Access by Sending a Request to One or More Peer Contacts

3. The method of claim 1, wherein the stored user data comprises a peer list containing the one or more peer contacts associated with the authorized user.

4. The method of claim 3, wherein the peer list is stored in association with the account.

5. The method of claim 3, wherein each peer contact in the peer list comprises peer contact information to which the failure attribution request is to be transmitted.

6. The method of claim 1, wherein the security action comprises at least one of sending a notification to a security administrator, altering an authorization setting for the account, temporarily preventing further access attempts to the account, or imposing a further level of authentication required to access the account following a successful authentication.

7. The method of claim 1, wherein the method further comprises transmitting an attribution request to a user contact address for the authorized user, receiving a response from the user contact address, and when the response denies user involvement in the failed attempts then taking the security action.

9. The method of claim 8, wherein the method further comprises temporarily preventing further access attempts to the account while awaiting the response.

10. The method of claim 8, wherein the awaiting and sending are repeated for each successive peer contact in the hierarchical order until the response is received or the time window for a last peer contact expires.

11. The method of claim 1, wherein transmitting the failure attribution request comprises determining that a number of failure attribution requests transmitted over a time period is below an abuse threshold as a condition precedent to transmitting the failure attribution request.

14. The system of claim 12, wherein the stored user data comprises a peer list containing the one or more peer contacts associated with the authorized user.

15. The system of claim 14, wherein the peer list is stored in association with the account.

16. The system of claim 14, wherein each peer contact in the peer list comprises peer contact information to which the failure attribution request is to be transmitted.

17. The system of claim 12, wherein the security action comprises at least one of sending a notification to a security administrator, altering an authorization setting for the account, temporarily preventing further access attempts to the account, or imposing a further level of authentication required to access the account following a successful authentication.

18. The system of claim 12, wherein the instructions are to further cause the processor to transmit an attribution request to a user contact address for the authorized user, receive a response from the user contact address, and when the response denies user involvement in the failed attempts then take the security action.

20. The system of claim 19, wherein the instructions are to further cause the processor to temporarily prevent further access attempts to the account while awaiting the response.

21. The system of claim 19, wherein the awaiting, and sending are repeated for each successive peer contact in the hierarchical order until the response is received or the time window for a last peer contact expires.